| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSPRO INC3 | PO BOX 689 FREMONT, NE 68025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 11.27% |
| THOMAS W BOSTON3 Filed as: THOMAS D FULLER | 1830 BRENT BLVD LINCOLN, NE 68506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $425 | $4K | 5.86% |
| KRISTI LYN HOVIE3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $568 | $2K | 2.98% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT E ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $411 | $2K | 2.44% |
| CRISS BUTLER3 | 4924 EASTRIDGE DRIVE OMAHA, NE 68134 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $481 | $2K | 2.42% |
| MAMIE A STILES3 | 12223 CUMING STREET OMAHA, NE 68154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $96 | $1K | 1.57% |
| KIMBERLY LEWIS3 | 13911 JOSEPHINE ST OMAHA, NE 68138 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $12 | $1K | 1.45% |
| ROBERT T MADEJ3 | 2923 LYNNWOOD DRIVE BELLEVUE, NE 68123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $3 | $1K | 1.44% |
| RICHARD G MCGOWAN3 | 1716 N 59TH STREET OMAHA, NE 68104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $496 | $12 | $508 | 0.72% |
| THOMAS JAMES BUTLER3 | 7913 N 164TH ST BENNINGTON, NE 68007 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $303 | $23 | $326 | 0.46% |
| MICHELLE MARIE GOERGEN3 | 5340 SO 156 CT OMAHA, NE 68135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $165 | $0 | $165 | 0.23% |
| JULIA C SHARP3 | 5810 NORTH 166TH ST OMAHA, NE 68116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $76 | $0 | $76 | 0.11% |
| DUANE A ADAMS3 Filed as: DUANE L GOTTSCH | 2220 NORTH 172ND AVENUE OMAHA, NE 68116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $70 | $0 | $70 | 0.10% |
| ELAINE MURPHY3 | 78507 LINKS DRIVE PALM DESERT, CA 92211 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 128 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.